21:5 Financial Network

Biblically Responsible Investing and Financial Coaching

Terms and Conditions

21:5 Financial Network is not a registered investment advisor, does not offer brokerage or investment banking services and does not provide personalized financial advice. Employees of 21:5 Financial Network adhere to professional standards and ethics and put the interests of clients and subscribers ahead of their own. 21:5 Financial Network, its employees, and affiliates may, however, have long, short or derivative positions in the Securities mentioned on this site.  

User Agreement

This Agreement sets out the terms and conditions relating to the online content provided free of charge and content subject to payment (“Free and Paid-for Content”) that 21:5 Financial Network (“the Siteowner”) will provide to you (“the User”).

By accessing www.215financial.com (“the Site”) the User is agreeing to the terms and conditions below. If the User uses the Site in the course of business the User is also agreeing to these terms and conditions on behalf of that business. If the User does not agree with the terms and conditions (or the User is not authorized to do so) the User should not use the Site.

If the User has any questions they should contact the Siteowner at info@215financial.com.  

Modification of These Terms and Conditions

21:5 Financial Network shall have the right at any time to impose, change, or modify the Terms and Conditions of use of the Site at its sole discretion. Such changes, modifications, additions, or deletions shall be effective immediately upon posting to the Site. User agrees to review the Terms and Conditions periodically and be aware of such revisions. The User’s continued use of this Site shall conclusively be deemed to constitute your acceptance of the modified Terms and Conditions.

Services and Fees

The Siteowner shall provide Free and Paid-for Content. This includes a subscription for Paid-for Content available. The Siteowner reserves the right to vary the Free and Paid-for Content and does not guarantee that the content provided free of charge (“Free Content”) will remain free of charge and does not guarantee that the content provided subject to payment (“Paid-for Content”) will remain a paid-for service.  

The User shall agree to pay any subscription fees (“Fees”) at rates in effect when the charges are incurred. The User must provide the Siteowner with complete and accurate payment information. The User can pay using a credit or debit card or by setting up a standing order. By submitting credit or debit card details to the Siteowner the User warrants that they are entitled to purchase the Paid-for Content using those payment details. In the event of an unauthorized payment the Siteowner reserves the right to suspend or terminate the User’s access to the Site and Paid-for Content. If no payment authorization is received or payment authorization is subsequently cancelled, the Siteowner may immediately terminate or suspend access to any Paid-for Content and/or the Site. The Siteowner will try to process the User’s request for any Paid-for Content promptly but does not guarantee that the Paid-for Content will be available to the User by any specified time. A contract with the User for Paid-for Content will come into effect when the Username and Password are issued to the User. Neither monthly nor annual 21:5 Financial Network memberships are refundable, in part or in whole. The User having paid the Fee for a subscription for the supply of Paid-for Content for a defined period the User will have no right of cancellation for the supply of the Paid-for Content other than the right to cancel the subscription for Paid-for Content.  

Registration, Passwords and Privacy

The use of the Site signifies the User’s consent to the Siteowner collecting and using personal information about the User in accordance with the Siteowner’s Privacy Policy. The User should read the Privacy Policy. The User does not have to register to use the Site in order to access it and enjoy the content other than the Paid-for Content. If the User wishes to access the Paid-for Content, the User will be asked to provide the Siteowner with accurate, complete registration information including contact details, and it is the User’s responsibility to update and maintain this information. The Siteowner is entitled to rely on this information to provide Paid-for Content. The User will also be requested to create a Password in a format specified by the Siteowner (“the Password”). The User shall not disclose the Password to any other person or entity and shall ensure that the Password remains confidential at all times. In the event that the User knows or has a reasonable suspicion that a third party knows the User’s Password, the User shall notify the Siteowner immediately by contacting the Siteowner at info@215financial.com. If the Siteowner has reasonable grounds for believing that the User has misused or is misusing the Password, the Siteowner may require the User to change the Password or may suspend the User’s use of the access to the Site, including Paid-for Content, until such time as the Siteowner is satisfied that the security of the Site is no longer compromised by the User’s activities.  

Limitations on Use of the Site

All content and services provided by the Siteowner belongs to the Siteowner [or is licensed to the Siteowner by licensors including SubHub Limited]. The Siteowner [or its licensors, including SubHub Limited] own all the intellectual property rights in the content and services. The content and services provided are solely for the personal use of the User and the User shall not sub-license, distribute, sell, supply, modify, adapt, amend, incorporate, merge, or otherwise alter any content or service provided under this Agreement. The User shall not remove or replicate any logo, copyright or proprietary notices, legends, symbols, labels, watermarks, signatures or any other like marks affixed to or embedded in the content or services. The User shall not carry out any act or omission or permit any act or omission to take place that infringes or is likely to infringe any intellectual property rights owned or used by the Siteowner or its licensors including SubHub Limited or otherwise relating to the Site.  

Limitation of Liability and Indemnity

The User expressly agrees that the use of, and browsing of the Site is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages arising out of the User’s access to, or use of, or inability to use the Site or any linked site or for the cost of procurement of substitute goods or services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through the Site or resulting from any unauthorized access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages. The User expressly agrees that the downloading of any material form the Site is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages resulting from the User downloading material from the Site or any linked site, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages. Without limiting the foregoing, everything on the Site is provided to the User “as is” and “as available” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to every User. The User must check their local laws for any restrictions or limitations regarding the exclusion of implied warranties.  

While the Siteowner will use reasonable efforts to include accurate and up-to-date information on the Site, the Siteowner makes no warranties or representations as to its accuracy or completeness. The Siteowner is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that the information does not constitute any form of advice, recommendation or arrangement by the Siteowner or its affiliates or any other party involved in the Site and is not intended to be relied upon by Users in making (or refraining from making) any decisions based on such information. The User must make their own decisions on whether or not to rely on any information posted on the Site. The Siteowner reserves the right to modify information displayed on this Site but it does not make any commitment to update the information displayed on this Site. No party who is involved in the workings of the Site, including SubHub Limited, will at any time be liable or responsible in any way for the content, including Paid-for Content, and information provided on or via the Site and for the User’s use of the Site. From time to time the Siteowner will make available to the User links from the Site to third party sites. These sites are not in any way approved, checked, edited, vetted or endorsed by the Siteowner and the User agrees that the Siteowner shall not be responsible or liable in any way for the content, advertising or products available from such sites, the quality, functionality, suitability or legality of such sites or for any dealings that the User may have, or the consequences of such dealings, with such third party site operators. Any arrangements made between the User and any third party named on the Siteowner’s Site are at the User’s sole risk and responsibility and the Siteowner expressly disclaims any liability for third party information or opinions posted on this Site or any linked Sites that arises under criminal or civil laws relating to defamation, intellectual property, infringement, privacy, obscenity, or any other area of law.  


The User agrees to indemnify, keep indemnified, defend and hold the Siteowner and its parent companies, subsidiaries, affiliates and their respective officers, directors, employees, owners, agents, information providers and licensors, including SubHub Limited, (collectively the “Indemnified Parties”) harmless from and against any and all claims, damages, liability, losses, costs and expenses (including legal fees) (whether or not foreseeable or avoidable) incurred or suffered by any Indemnified Party and any claims or legal proceedings which are brought or threatened arising from the User’s use of, connection with or conduct on the Site or any breach by the User of these terms. The Siteowner or SubHub Limited reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, and in such case, the User agrees to co-operate with the defense of such claim.  

Consequences of Breach of these Terms

In the event that the Siteowner or SubHub Limited considers or determines, in their complete discretion, that the User has breached, violated or contravened the Agreement or has otherwise demonstrated inappropriate conduct in the use of the Site or the content or services they reserve the absolute right to: (a) warn the User that they have violated the Agreement and ask the User to discontinue such conduct; (b) discontinue the User’s membership of the Site and/or any other related services, including Paid-for Content; and (c) take measures (including terminating, suspending or restricting the User’s use of the Site) to prevent the User from using the Site or linking to the Site.  

Applicable Law

The provisions of the Contracts (Rights of Third Parties) Act of 1999 shall not apply to this Agreement, except in relation to the rights of SubHub Limited. This Agreement and all matters arising from it shall be governed by and construed according to the laws of the Commonwealth of Pennsylvania, without giving effect to its conflict of laws or the User’s actual state or country of residence. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms and Conditions or otherwise related to the Site shall be an appropriate state or Federal court located in the Commonwealth of Pennsylvania, and the User’s use of and access to this Site acts as an express consent to the jurisdiction of such appropriate court and the User waives any jurisdictional, venue, or inconvenient forum objections from such courts.  


If any provision of this Agreement is found for any reason in a court of competent jurisdiction to be unenforceable or invalid, then the provision shall be deemed severable from this Agreement, and the remaining provisions of the Terms and Conditions will continue in full force and effect.  

The section headings used herein are for convenience only and in no way defines or explains any section or provision contained in this Agreement.  

Entire Agreement

This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior or contemporaneous understandings or agreements, written or oral, arrangements and undertakings and constitutes the entire agreement relating to the subject matter of this Agreement. The User confirms that they have not entered into this Agreement on the basis of any representation that is not expressly incorporated into this Agreement. Any waiver of any provision of these Terms and Conditions will be effective only if in writing and signed by 21:5 Financial Network.  

Standard Disclaimer

The information contained on this Site is not represented or warranted to be accurate, correct, complete, or timely. 21:5 Financial Network is not responsible for any errors or omissions. This Site is for informational purposes only and should not be considered a solicitation to buy or sell any security, company, or fund (“Securities”). The Securities mentioned on this Site may not be suitable for all types of investors. It should not be assumed that the Securities mentioned on this Site will necessarily be profitable. The information contained on this Site is not a substitute for and does not constitute personalized legal, accounting, financial planning, investment or tax advice. The material on this Site is not intended for any specific type of investor and does not take into account an investor's particular investment objectives, financial situation or needs.  

21:5 Financial Network believes that it has a responsibility to invest in alignment with moral convictions. Accordingly, the Securities mentioned on this Site are targeted to maintain no ownership in companies which violate, either directly or indirectly, the moral convictions (“Convictions”) identified on the Site. Securities issued by companies engaged in activities which violate Convictions are referred to as “Excluded Securities.” 21:5 Financial Network is responsible, in its best judgment, for determining Excluded Securities. All company screening is performed on a best efforts basis using third party software. While 21:5 Financial Network seeks to avoid exposure to Securities which violate Convictions, 21:5 Financial Network maintains no direct control over Securities purchased or sold by third party managers. As such, 21:5 Financial Network makes no guarantees that ownership of Securities which violate Convictions will be avoided. 21:5 Financial Network believes that holdings and moral screening-based information obtained through third party software to be accurate, but accuracy cannot be guaranteed.

21:5 Financial Network is committed to maintaining biblically responsible portfolios. If you believe that a Security which is not excluded is violating any Convictions identified on the Site, please contact us at info@215financial.com.  

21:5 Financial Network does not make any representations about the suitability of the information, products or services contained in 215financial.com. All such information, products and services are provided “as is” without warranty of any kind. Information found on this Site is not intended as a recommendation of any Security or any particular investment strategy. Before acting on any information found on this Site, the User should consider whether such an investment is suitable for their particular circumstances, perform their own due-diligence, and if necessary, seek professional advice. The User bears sole responsibility for investment research and decisions and will not hold 21:5 Financial Network liable for any damage relating to finance or investments. The User agrees that 21:5 Financial Network does not offer or provide tax, accounting, legal, financial planning, or investment advice. Assumptions, opinions, and estimates are based on our judgment as of the date of the report and are subject to change without notice. 21:5 Financial Network is not responsible for any errors or omissions or for results obtained from the use of this Site and accepts no liability for how readers may choose to utilize the content. In no event shall 21:5 Financial Network be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the information contained on this Site. Investors should consider information on this Site as only a single factor in making their investment decision. Redistribution of any content is prohibited without written permission. Past performance is not a guarantee of future results.  

For general information about 21:5 Financial Network’s products and services, please contact us at info@215financial.com.